Affinity Federal Credit Union Bewertungen 24

Absolutely garbage bank. RUN AWAY if you have any inkling of interest in banking here.

Opened a checking account with them and then started doing things that any normal human being would do with a checking account (setting up external connection to my savings account, setting up bill pay with various utility companies, etc.). They then froze my account, which I only discovered after their customer support had closed for the weekend. So I was without access to my money for several days with a credit card payment that was supposed to be going through on Sunday. Luckily, I still had some money in my old checking account, so was able to adjust my credit card payment in time, otherwise I would've been on the hook for late fees.

I then called them first thing on Monday to remove the hold. Was put on hold for 30 minutes, which was annoying given the circumstances. Spoke to a representative who said that they needed to contact some other team to remove the hold. Was put on hold again for another 10 minutes. They came back saying they were working on it and that they'd call me back once the hold was removed. Almost 2 hours passed and I never got a call back. Called their customer service again (put on hold again), talked to another rep to explain the situation. Same deal, they had to talk to some other team. Waited on hold for another 10 minutes. They came back saying they'd call me back after the hold was removed. I rejected that and said I wasn't getting off the phone until the hold was removed. Put on hold for another 5 minutes. Rep came back saying that the hold was now removed, which showed me this wasn't just something that they needed time to work through.

A couple days later, I set up a time sensitive transfer from my checking account to an external account. At 5:01pm, I got an email saying that my transfer failed and to call them for more information. I called them immediately (i.e. essentially no time had passed from the transfer failing), got put on hold for another 15 minutes, got a rep. Rep said that there was some internal hold on my account and they needed to talk to another team (where have I heard this before...). Got put on hold again. Rep came back saying that that team had gone home for the day and that they'll call me back tomorrow (WHERE HAVE I HEARD THIS BEFORE). We'll see what happens tomorrow.

Oh and this also doesn't even touch on the fact that you can't deposit any checks for the first 30 days of your account opening, which they don't detail at all during the account opening process (maybe it was in some fine print somewhere, but this is significant enough to warrant calling out to a new customer). And I only discovered this after calling their customer service to activate check deposit access, this isn't detailed anywhere in the portal.

What an absolute disaster of a bank. You should only open a checking account here if you have no intent of actually using your money.

I am sad to leave a negative review, but I am facing already not the first time unprofessionalism, costing me money, costing me great stress...

If I could give negative 100 stars, I would.

After receiving a COVID vaccine, my husband became seriously ill and later developed Parkinson’s disease and Lewy Body dementia. He fought courageously for 3.5 years, but sadly passed away two months ago. He was an honorable man — a pilot and former CEO of several respected companies.

We have lived in our home for over 25 years, since it was built. Due to running an international business and the impact of COVID, we refinanced our equity. My husband handled all insurance and mortgage matters. After he became ill, I took over all responsibilities and continued paying the mortgage on time every month.

In late 2024, Kevin Southall contacted me requesting proof of insurance. I explained that I needed a little time, as I was providing 24/7 care for my terminally ill husband. Without any discussion or consent, he proceeded to force-place retroactive insurance at a rate nearly 300% higher than our existing coverage.

At the same time, I had already made arrangements with the township to pay our property taxes — yet he also paid those without notifying me.

The total of these unauthorized actions was approximately $41,000. Despite this, I am now being pressured to resolve an alleged balance of $150,000, which is completely unjustified.

Although I was current on my mortgage, I began receiving coercive calls from at least five different people, pressuring me to sign delinquency paperwork. When I refused, my ability to make payments was blocked so the account could be falsely represented as delinquent.

As a widow, I find this conduct deeply disturbing. Is this acceptable practice in the United States — to financially pressure and exploit someone who has suffered profound personal loss?

Even now, this organization continues to address correspondence to my deceased husband, despite being informed of his passing.

I sincerely hope senior leadership intervenes to resolve this matter fairly and lawfully, rather than allowing actions that cause further harm to families already enduring tragedy. I will continue to pursue justice through every appropriate channel.

If I could give this business a zero I would. I refinanced and this is the company that picked me up. Literally knocked off 20 bucks. They do not care about customers. They never answer the phone. I missed deadlines because they never answered. And it no bank near me. Finally just gave up the car and put them in bankruptcy and they still reported late marks well after I closed the account. They are STILL reporting lates as I tried to get them off. My bankruptcy has been closed almost 2 yrs now. Hate this company. Did absolutely nothing for me. RUN FAR FAR AWAY PLEASE.

Just yesterday my car was repossessed by Affinity. Just last week I was playing phone tag with them. I called today to see what I need to pay to get my car back. They included September which is not due until the 8th with a grace period of 15 days. Fine. But when the lady told me $1050 for the repossession fee, I was floored. The lady sarcastically apologized and made the assumption I was not going to pay. I just started a new job, their system is antiquated. They do not do direct deposit for first checks, so I had to wait to get my check, which was today. So on top of the $1050, there is a processing fee of almost $45 with debit card only for payment. It is sad that customers are treated this way. OH, and my car was taken from my complex, private property. Yes, I understand I should have been paying. I wasn't even 60 days late. But, life happens out of our control. Again, I will pay to get my car back and will be able to maintain going forward, but MY GOD, that fee of $1050 is RIDICULOUS and Affinity Credit Union should be ashamed of themselves. I used to speak highly of this credit union, but not now. Between the fee and sarcastic attitude, I am good. I can't wait to pay this car off and be done with Affinity. Last thing, the towing company that is holding my car is only open from 10 to 1, Monday to Friday. What a scam??? Some people do work during the day, but I will make arrangements to pick up my car, because Affinity, I am paying. I wonder if the FDIC has been called on them?

They are horrible at customer service. Went to make a loan payment and they wouldn't let me without me emailing my driver's license. Then said I can't make a payment because its a male account and I sound like a female. An hr of back and forth and they literally wouldn't process the payment

Don't get tricked by this bank's deceptive interest rate and fraudulent overseas benefit. Every little thing is so hard. I only had the account for 2 months, and in that short time, I made over 20 phone calls to them. Here are a few highlights:

1. The card didn't work overseas. They tried to blame the bank, but I went to over 20 banks and nothing work. I was there with 11 other people, and no one else had issues.

2. They refused to lift this security hold, and I ended up having to beg people for money and venmnoing them. One of the agents hung up on me.

3. I still got charged the fees they said I wouldn't be charged.

4. The card doesn't work on Apple Pay about half the time. I don't carry my wallet, so that made it very difficult to use.

5. They refused to give me the 5.50% interest rate despite meeting their requirements.

6. Even closing the account was hard. You have to transfer all the money yourself, which is hard when their daily limit is so low. On top of that, they told me they would call me back to close it. Not only didn't they do that, they refused to close it without me writing a letter.

Do not waste your time with this bank. There is way too much drama.

First, congratulations to to our new Bardonia, NY manager, Joe Wallace.
Thank you, Donna Ladson, you recognized the care and patience to help a member with disabilities to safely and satisfactory complete transactions.
The folks at this branch are all welcoming and ready to assist with all banking needs.
Continue the great work!
Annie Wilson

This company does some shady practices by placing forced insurance on customers policy when they have current valid insurance that never lapsed, I've had this personally happen to me they put a placeholder insurance on my loan saying that my insurance was canceled which it was not I sent them proof they decided to increase my monthly payment by $200 and then they applied over $2,100 in interest penalties pretty much erasing all of the money that I've paid over the three years currently on the loan they now decided to try to rebuild me again for $1,200 when my monthly payments are supposed to be $436 but they increased it $614, I've sent over verifiable proof multiple times shown that my insurance never lapsed I had the current and right amount of insurance for the policy and they failed to even verify it I contacted their customer service six times and they still are not resolving this issue but they continue to apply penalties and interest charges to my account. And of course they're going to continue making my account go negative they had my contact number all my information is current and up to date but they want to play games with me.

I have been with this credit union for some years now and without too many issues; especially those that you get from regular banks. Just this year, I have had the worst experiences with their subpar customer service via secure message and the fees. There was a time when I sent a message that it was responded to within 24 hours. My last message submitted on 10/31/24, took them two more messages from me and 14 days to respond. When they did respond, the lack of support was astounding. My complaint was regarding overdraft fees to my account. Now, I don't have an issue with owning up to paying those when I know that the fault was mine but here's the kicker. I have notifications turned ON to let me know when my account goes below a certain balance. Each and every time I've received an overdraft fee this past year, those notifications seem to conveniently fail. Yet, I faithfully receive the text every Friday letting me know my week ending balance. One of the customer reps snarkily told me that I should 'monitor my account every day'. First off, that's exactly what the notifications are supposed to do. I don't know anyone who has the time to log in and monitor a bank account every minute of every day. I kept asking them if something was going on with the notifications system and always received some round about answer or not one at all. I just logged in to follow up on a message that I'd sent them last week and the entire messaging system has changed and I can no longer find the open ticket that I had. Sadly, I'm not surprised and have made steps to move away from them. I don't like the attitude. In this day and time where EVERY dollar counts, I don't need a financial institution continually taking that money. I don't care if it was a penny; it's mine and I worked hard for it. I would have otherwise tried to stick it out since I've been with them for about 10 years or so and this has been my only issue with them, but since I don't have thousands upon thousands in their possession, they feel as if my issues are invalid. Credit unions used to be different from traditional banks. Not so much anymore.

Wish I looked on here prior to applying for a credit card. I have 800+ credit score and plenty of income and would get approved from any credit card without question. was denied by affinity credit union because I live in Colorado and they don’t service that area. Actually, they can’t even say they don’t service that area. They just said I was denied because it’s out of their digital footprint yet when I mentioned it should say this on the website they said oh we can’t Put that on there because there are exceptions. Now I have a negative inquiry on my credit report and waste of time online and on the phone on two calls because they can’t simply disclose to people that they don’t service my area. Complete waste of time, do not work with this company.

Never finance a car with them. They will give you every reason not to refinance. They don't value their customers at all. You have been warned.
Why can’t I get my interest rate reduced seeing how I have an account with the same car and never missed or been late on a payment. I’m making these high payments and all I want is for you to lower the payments and interest rate. I'll never recommend Affinity to anyone.

Trying to make a sale, their debit card company okayed half the sale but not the other half. There is more than enough money in the account. The representative stated it was suspicious but couldn't answer when I asked why they only declined half of the transaction. It took me hours, and I finally had to redo the transaction. I lost two hours.

How can you improve? STOP ROBBING PEOPLE WITH YOUR RIDICULOUS LATE FEES! Multiple charges for the same account and you don't even pay the overdraft? The fees actually wind up costing far more than the overdraft! You suck!!!!! You're just like WF...GREEDY STINKING BASTERDIZED CROOKS !

Have my Jeep leased through them and always make my payment when I get the invoice in the mail...on time...every time. This month I'm still looking for it. Tried to get through to Customer Service...numerous times...the wait times are beyond ridiculous! Now we're gonna look at taking the Loan to another institution. Still can't get through.....

I made a mistake regarding the coverage needed for my car, and they took about 1month to realize that. Then when they told me, i fixed it right away. But they ended up charging me 2000$ for the time it took them to realize it, try to talked to them but apparently they are not responsible for their mistake, but you have to be responsible for yours and paid them. Customer service deserve the 1 star, they are not here to help you, just collect....

I have been using this credit union for over 35 years. They used to be great ... wonderful customer service, great rates. But unfortunately no longer. There external transfer system consistently fails but still takes money out of my account without depositing it into the external account. I then have to contact them via email message (which they never reply too) or wait on hold for over 20 minutes just to get my money back. After all this time, I think its time to find another bank.

WORST credit union. Constant problems they create because they have unreliable systems which leave customers with incorrect balances, blocked debit cards, non-existing customer service and the list goes on and on. I’ve banked with this credit union for over 15 years, they were good back then but something changed, maybe new management I don’t know but OMG this is the worst place to ever deal with no one knows what’s going on there and they have attitudes whenever you do magically reach a human. As of today I am clearing out all account there I’m done with Affinity FCU. Bank ANYWHERE else.

AFCU is despicable. These bums just jacked our interest rate from 3.5% to 7.25%. Raised our mortgage by $600.00 a month. On three occasions they actually put our mortgage payment in the wrong account, completely incompetent.

Best rewards checking account I ever had, funds transfer are very quick, no pain point :)